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The security deposit
We support you in optimizing your financing capabilities and complying with your legal obligations.
What is bail?
The guarantee is a commitment by which a guarantor (often a financial institution or an insurance company) undertakes to pay on behalf of a debtor if the latter does not fulfill his contractual obligations. We also talk about financial guarantee. It is often required in public markets, rental contracts, private markets, or in certain regulated sectors.
It is often required in public markets, rental contracts, private markets, or in certain regulated sectors.
Contrary to traditional insurance, a security deposit does not cover a claim, but serves as security for the beneficiary (client, administration, supplier, landlord, etc.), guaranteeing the proper execution of a contract.
It is often required in public markets, rental contracts, private markets, or in certain regulated sectors.
What are the different types of guarantees?
There are several types of guarantees, here are the main ones:
- Market deposit Used in public or private markets to guarantee obligations (submission, good execution, refund of advance payment, guarantee of perfect completion).
- Financial caution demanded by regulatory authorities (for example: real estate agents, travel agents, temporary employment agencies, insurance brokers...)
- Customs and tax caution: Payment guarantee to the administration.
- Environmental caution: Mandatory financial guarantee intended to cover the costs related to the restoration of an industrial site or polluted site at the end of its operation. It allows the state to ensure that funds will be available to clean up or rehabilitate a site, even if the company disappears or becomes insolvent.
What is the purpose of the security deposit?
The deposit is a strategic lever for companies:
Access contracts or calls for tenders
It is often required in public or private markets.
Strengthen financial credibility.
Facing an order giver.
Optimize cash flow
Without a guarantee, the company is generally required to mobilize its own funds. When a guarantee is presented, the company recovers its cash flow.
Why choose Howden?
We identify the most appropriate solution.
According to your activity (type of guarantee, duration, amount, etc).We accompany you in assembling the file.
The commitment committees of guarantee institutions have a very strict analysis of files. It is important to be accompanied to present the company well.We negotiate the terms and find the best partner.
We are accelerating the issuance deadlines.
Thanks to our network and the expertise of our teams.
Which sectors of activity are concerned?
La caution concerne de nombreux secteurs, parmi lesquels :
- The caution applies to many sectors, including:
- BTP and construction
- Professional real estate (agencies, developers)
- International trade and exporters
- Transport and logistics
- Regulated sectors: travel agencies, brokers, real estate agents, etc.
- Industry
Contact
Charge d'affairesAlexis Souchet
LinkedInCharge d'affairesFormer banker at Bpifrance, specializing in bank financing, Alexis joined OFRACAR's teams in 2023, and then in 2024 joined HOWDEN through the acquisition operation.
Commercial EngineerHocine Ouldmoussa
LinkedInCommercial EngineerHocine has been working in the credit insurance and factoring industry for over 30 years. He has worked in several specialized groups, including Facto France and Atradius. Then, he moved to the brokerage world. In 2010, he joined the OFRACAR team, and then the Howden team in 2024.